TERMS AND CONDITIONS

Effective Date: Updated February 26, 2026

These Terms and Conditions (the “Terms”) govern your access to and use of www.LostHeirsFound.com
(the “Site”) and any related online features, communications, and services made
available by Magellan Capital Resources, Inc. (“Magellan,” “we,” “us,” or
“our”). By accessing or using the Site, you agree to be bound by these Terms.
If you do not agree, do not use the Site.

1.     COMPANY INFORMATION

Magellan Capital
Resources, Inc.
4600 Touchton Avenue, Suite 1150, Jacksonville, Florida 32246
Toll-Free: 800.606.8930
Email: RobL@LostHeirsFound.com

2.    DEFINITIONS

For purposes of these Terms:

a.     “You” or “User” means any person or entity accessing or using the Site.

b.    “Services” means Magellan’s inheritance/beneficiary discovery and recovery-related
services that may be described on the Site or otherwise offered by Magellan.

c.     “Engagement Agreement” means a separate written agreement executed by you and Magellan
governing paid or formal services.

d.    “Content” means all text, graphics, images, audio, video, data, compilations, software,
and other materials on the Site.

3.    SCOPE OF SERVICES

Magellan operates in the industry of discovery and recovery of inheritance and
beneficiary proceeds for proper distribution to heirs and beneficiaries. The
Site is provided for general informational and communication purposes and does
not constitute a binding offer to provide Services or an agreement to represent
you.

Any specific Services, fees, success/contingency arrangements (if any), scope, and
obligations will be governed exclusively by an Engagement Agreement. If there
is any conflict between these Terms and an Engagement Agreement, the Engagement
Agreement will control solely with respect to its subject matter.

4.    NO LEGAL, TAX, OR FINANCIAL ADVICE; NO FIDUCIARY RELATIONSHIP

Magellan is not a law firm and does not provide legal advice. Content on the Site is not
legal, tax, investment, or financial advice and should not be relied upon as
such. You should consult qualified advisors regarding your circumstances. Use
of the Site does not create an attorney-client relationship, fiduciary
relationship, partnership, joint venture, or agency relationship.

5.    ELIGIBILITY

You represent that you are at least 18 years old and have the legal capacity to
enter into these Terms. If you use the Site on behalf of an entity, you
represent and warrant that you have authority to bind that entity to these
Terms.

6.    ACCEPTABLE USE

You agree not to, and not to attempt to:

a.     violate any applicable law or regulation;

b.    interfere with or disrupt the Site or any systems or networks;

c.     access or attempt to access any non-public areas of the Site or systems;

d.    use scraping, spiders, robots, or automated means to access the Site except as
permitted by robots.txt;

e.    introduce malware, viruses, or harmful code;

f.      impersonate any person or misrepresent your affiliation;

g.    use the Site to harass, threaten, defraud, or harm others;

h.    upload or transmit any content that is unlawful, infringing, defamatory, or otherwise
harmful; or

i.      engage in activity that could reasonably be expected to compromise Site security,
integrity, or availability.

We may investigate suspected violations and take appropriate action, including
restricting or terminating access, cooperating with law enforcement, and
pursuing civil remedies.

7.    USER SUBMISSIONS; NO CONFIDENTIALITY THROUGH THE SITE

If you submit information to us via the Site (including forms, emails, uploads, or
messages), you represent that the information is accurate to the best of your
knowledge and that you have the right to provide it.

Do not submit sensitive personal or financial information through the Site unless
specifically requested by Magellan and you are comfortable doing so.
Internet transmissions are not guaranteed to be secure. Unless and until a
separate Engagement Agreement is executed, your submissions through the Site
are not treated as privileged or confidential to the maximum extent permitted
by law.

You grant Magellan a non-exclusive, worldwide, royalty-free license to use,
reproduce, process, and display non-confidential submissions solely to operate,
maintain, and improve the Site and to respond to your requests.

8.    INTELLECTUAL PROPERTY

a.   Ownership.
The Site and all Content are owned by Magellan or its licensors and are
protected by intellectual property laws.

b.   Limited License. Subject to these Terms, Magellan grants you a
limited, revocable, non-exclusive, non-transferable license to access and use
the Site for lawful personal or internal business purposes. You may not copy,
modify, distribute, sell, lease, reverse engineer, or create derivative works
from the Site or Content except as permitted by law or with Magellan’s prior
written consent.

c.    Feedback.
If you provide suggestions or feedback, you grant Magellan the right to use it
without restriction or compensation.

9.    THIRD-PARTY

LINKS AND RESOURCES

The Site may contain links to third-party websites or resources. We do not control
and are not responsible for third-party content, policies, or practices. Links
are provided for convenience and do not imply endorsement.

10.  DISCLAIMERS

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM
EXTENT PERMITTED BY LAW, MAGELLAN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
TITLE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free
from harmful components. Any reliance on the Site is at your own risk.

No Guarantee of Outcome. Magellan does not guarantee that any
inheritance, beneficiary proceeds, property, or funds will be located,
recovered, or distributed, or that any particular result will be achieved. Any
examples or general descriptions are illustrative only and not promises of
outcome.

11.   LIMITATION OF LIABILITY

To the maximum extent permitted by law, in no event will Magellan or its officers, directors, employees,
agents, affiliates, suppliers, or licensors be liable for any indirect,
incidental, consequential, special, exemplary, or punitive damages, or for loss
of profits, revenue, data, goodwill, or business interruption, arising out of
or related to your use of (or inability to use) the Site, even if advised of
the possibility of such damages.

To the maximum extent permitted by law, Magellan’s total liability for any claim
arising out of or relating to the Site or these terms will not exceed the
amount you paid to Magellan for access to the Site (if any) in the twelve (12)
months preceding the event giving rise to the claim. Some jurisdictions do not
allow certain limitations; in such cases, liability will be limited to the
fullest extent permitted by applicable law.

12.  INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Magellan and its officers,
directors, employees, agents, affiliates, suppliers, and licensors from and
against any claims, liabilities, damages, judgments, awards, losses, costs,
expenses, or fees (including reasonable attorneys’ fees) arising out of or
related to: (a) your use of the Site; (b) your violation of these Terms; (c)
your violation of any law or third-party right; or (d) your submissions or
communications.

13.  ELECTRONIC COMMUNICATIONS

a.     Electronic Communications Consent. By using the Site or
communicating with us electronically, you consent to receive communications
from us electronically (including by email and posting on the Site, and by
SMS/MMS where you have opted in). You agree electronic communications satisfy
any legal requirement that such communications be in writing.

b.    E-Sign.
Where permitted by law, you agree that electronic signatures and electronic
records may be used in connection with communications and transactions with
Magellan.

14.  DISPUTE RESOLUTION

Please read this section carefully. It affects your legal rights.

a.     Informal Resolution First. Before initiating arbitration, you
agree to contact us at RobL@LostHeirsFound.com with a brief description of the
dispute and your contact information. The parties will attempt in good faith to
resolve the dispute informally within thirty (30) days.

b.    Binding Arbitration. If not resolved informally, any
dispute, claim, or controversy arising out of or relating to these Terms or the
Site (a “Dispute”) will be resolved by binding arbitration administered by the
American Arbitration Association (AAA) under its applicable rules. Arbitration
will be conducted by a single arbitrator. The arbitration will take place in
Duval County, Florida, unless the parties agree otherwise.

c.     Exceptions.
Either party may bring an individual action in small claims court in Duval
County, Florida (or the county of your residence, if permitted) if the claim
qualifies. Either party may seek injunctive or equitable relief in a court of
competent jurisdiction for threatened or actual misuse or infringement of
intellectual property rights or unauthorized access to the Site.

d.   Class Action Waiver.
You and Magellan agree that each may bring claims against the other only in an individual
capacity and not as a plaintiff or class member in any purported class,
collective, or representative proceeding.

e.    Time Limit. Any Dispute must be brought within one (1) year
after the claim arose, unless a longer period is required by applicable law.

15.  GOVERNING LAW

These Terms and any Dispute not subject to arbitration will be governed by and
construed in accordance with the laws of the State of Florida, without regard
to conflict of laws principles. Subject to the arbitration section above, you
agree that exclusive venue for any permitted court action will be the state or
federal courts located in Florida, and you consent to personal jurisdiction in
such courts.

16.  TERMINATION

We may suspend or terminate your access to the Site at any time, with or without
notice, for any reason, including if we believe you violated these Terms.
Sections that by their nature should survive termination will survive,
including Intellectual Property, Disclaimers, Limitation of Liability,
Indemnification, Dispute Resolution, and Governing Law.

17.  MODIFICATIONS TO THE SITE AND THE TERMS

We may modify, suspend, or discontinue any part of the Site at any time. We may
update these Terms by posting an updated version on the Site and revising the
Effective Date. Your continued use of the Site after changes become effective
constitutes acceptance of the updated Terms.

18.  SEVERABILITY

If any provision of these Terms is held to be invalid, illegal, or unenforceable,
the remaining provisions will remain in full force and effect.

19.  NO WAIVER, ASSIGNMENT & FORCE MAJEURE

a.     No Waiver. Failure to enforce any provision of these Terms
is not a waiver of our right to do so later.

b.    Assignment.
You may not assign these Terms without our prior written consent. We may assign
these Terms in connection with a merger, acquisition, reorganization, or sale
of assets.

c.     Force Majeure. We are not liable for delays or failures caused
by events beyond our reasonable control (including outages, carrier
disruptions, acts of God, labor disputes, war, terrorism, governmental action,
or internet service interruptions).

20. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and Magellan regarding your
use of the Site and supersede all prior or contemporaneous understandings
relating to the Site. Any Engagement Agreement governs only the Services
described therein.

21.  CONTACT

Questions about these Terms may be directed to RobL@LostHeirsFound.com or 800.606.8930 extension 125.

22. SMS, MMS, and Messaging Communications Policy

This section applies if you opt in to receive SMS/MMS or other messaging
communications from Magellan (the “Messaging Program”). Messaging is used for
business communications related to inheritance and beneficiary recovery
services, including responding to inquiries, providing status updates,
requesting information, scheduling, and other service-related communications.

The Messaging Program may include conversational/customer care messages and
transactional or service-related communications, such as intake follow-ups,
identity verification requests, appointment scheduling, status updates,
document requests, service reminders, and responses to inbound inquiries.
Messages may include text, images, and/or links related to your relationship
with Magellan.

Example Consent Disclosure (Verbal/Recorded). “Do you agree to
receive SMS/MMS messages from Magellan Capital Resources, Inc.? Message
frequency varies. Message and data rates may apply. Reply STOP to opt out, HELP
for help. Consent is not required as a condition of services. See our Privacy
Policy and Terms at www.LostHeirsFound.com.”

a.   Opt-In Requirement (Consent)

You will receive messages only if you provide prior express consent (and, where
required, prior express written consent) to receive SMS/MMS messages from
Magellan at a designated mobile number. Consent may be collected through online
forms, written authorization, or verbal consent during a recorded or documented
interaction. We may send an opt-in confirmation message.

You represent and warrant that you are the subscriber for the mobile number
provided, or that you are an authorized user of that number with authority to
consent to receive SMS/MMS messages at that number.

b.   Consent Not Required for Services

Your consent to receive SMS/MMS messages is not required as a condition of
purchasing or receiving Services. Alternative communication methods (e.g.,
phone call, email) are available.

c.    Description of Message Frequency

Message frequency may vary based on your interactions with Magellan and the status of
communications. You may receive multiple messages per month and, during active
communications, multiple messages per week. Messages may be recurring.

d.   Message and Data Rates

Message and data rates may apply depending on your wireless plan and carrier.

e.   STOP and HELP Instructions

• Opt-Out:
  Reply STOP to any message to opt out. After opting out, you will
  receive a confirmation message and no further messages will be sent to
  that number (except where required by law or permitted for compliance
  confirmations).

STOP
requests are processed as soon as reasonably practicable and the number is
placed on a suppression list to prevent further messages from Magellan’s
Messaging Program. Unless otherwise required by law, an opt-out applies to all
messaging campaigns and numbers operated by Magellan under the same brand.

• Help:
  Reply HELP for assistance, or contact us at 800.606.8930 (extension
  125, if applicable) or RobL@LostHeirsFound.com.

f.    TCPA Compliance Statement

Magellan intends that messaging under the Messaging Program comply with applicable U.S.
telecommunications laws and regulations, including the Telephone Consumer
Protection Act (TCPA), and applicable industry standards relating to consent,
opt-out, and sender identification.

g.   Data Sharing Restrictions Related to Messaging

No mobile opt-in information (including your phone number and consent records)
will be shared with third parties or affiliates for their marketing purposes.
We may share limited messaging data with service providers who assist us in
delivering messages (such as messaging platform and carrier ecosystem
providers), subject to confidentiality and restricted-use obligations.

h.   Record of Consent Language

We maintain records of messaging consent and opt-out requests, which may include
the date, time, method of opt-in, the phone number, and the language used to
obtain consent. These records may be used to demonstrate compliance and to
maintain suppression lists to prevent unwanted contact.

i.     Carrier Liability Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. Delivery depends
on effective transmission by your carrier and network availability. Messaging
may not be available on all carriers or in all geographies.

j.     RingCentral Compliance (No Guarantees)

Magellan uses RingCentral and related carrier networks to facilitate messaging. We
publish these Terms and our Privacy Policy to support messaging compliance
expectations and program registration requirements. However, RingCentral and
mobile carriers maintain their own policies and technical requirements, and
Magellan does not make any representation, warranty, or legal guarantee on
behalf of RingCentral or any carrier regarding message delivery, approval,
filtering, or program eligibility.

k.    Changes to Messaging Program.

Magellan may modify or discontinue the Messaging Program or update these Messaging terms
at any time. Continued participation after changes are posted (or communicated
where required) constitutes acceptance of the updated terms, to the extent
permitted by law.